Search found 754 matches

by bayview
Mon Apr 11, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Commit to Lifelong Renting in Bay area?
Replies: 22
Views: 3304

Re: Commit to Lifelong Renting in Bay area?

Rent and enjoy the good life while you can. We rented, and when my husband "got retired" (the fate of many tech/financial workers who are ill-bred enough to live into their sixties), we could no longer afford to live on just my salary. We moved East, love it although sometimes miss the Bay...
by bayview
Mon Apr 11, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Are any OTC drugs and vitamins U.S.P.-labelled any more?
Replies: 34
Views: 1119

Re: The vanishing of USP drugs?

see: http://qualitymatters.usp.org/what-letters-usp-mean-label-your-medicine here is a snippet: "...today, drugs sold in the United States are required to meet USP standards regardless of whether they include the letters “USP” on the label. As a result, some manufacturers have dropped the prac...
by bayview
Wed Apr 06, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Any states that tax Roth withdrawals?
Replies: 49
Views: 3493

Re: Any states that tax Roth withdrawals?

OP, one way to find out for sure is to go to the tax site for any state that you're interested in, download the state tax forms, and work through a mock tax filing. I had to do this for North Carolina, which has the most useless public information site in terms of how their taxes work. :annoyed Well...
by bayview
Wed Apr 06, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: How does online banking work? Fraud on credit card
Replies: 20
Views: 1426

Re: How does online banking work?

I usually make my payments by the "pull" method (logging into the credit card, etc site, entering my banking info, and entering the date for the transfer.) DH prefers to "push" from the bank account. We've never had security issues with either method, but I personally don't like ...
by bayview
Wed Apr 06, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: Trying to get a copy of a $20 receipt
Replies: 16
Views: 1960

Re: Trying to get a copy of a $20 receipt

The examples that are in the citation are dealing with interactions with the actual providers, providers being the physicians, pharmacists, and other individuals who are actually providing healthcare. With the permission of the patient, they allow the patient's family to be involved in health care d...
by bayview
Sun Apr 03, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Been here for 6 months, changes made, Please Review
Replies: 9
Views: 1478

Re: Been here for 6 months, changes made, Please Review

Take a lot at the TSP account. There should be a 5% match --1% automatic match + 4% agency match.
by bayview
Sun Apr 03, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 818
Views: 125846

Re: What are you up YTD? [Year To Date]

I thought that by providing an easy-to-use spreadsheet, people would start learning about the proper way to measure and report returns. I have obviously failed. I'm done participating to this thread. I don't want to encourage people to continue to reporting incoherent returns, only when they are po...
by bayview
Sat Apr 02, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 818
Views: 125846

Re: What are you up YTD? [Year To Date]

Yes, YTD return is "mostly useless" and doesn't predict future returns. But the point of the thread has been to illustrate the relation of asset allocation and return. That is useful in my opinion.For example, right now bond heavy portfolios are doing better than stock heavy portfolios. P...
by bayview
Fri Apr 01, 2016 5:52 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 818
Views: 125846

Re: What are you up YTD? [Year To Date]

through February: Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 2/29/16 1 month 0.47% 3 months -2.51% 6 months -0.86% YTD -1.59% 1 year -3.11% 3 years* 5.20% 5 years* 10 years* Nice to see a month in the black, however small. Portfolio is just about back...
by bayview
Mon Mar 28, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Portfolio after Getting a Large Windfall
Replies: 20
Views: 1771

Re: Help: Portfolio after Getting a Large Windfall

Hi Bogleheads! I got a huge windfall around $1M in cash and had been planning on investing all of it. I have very little experience on investment so really in need of some advices here. Thanks very much and appreciate your inputs! ... Have you read the Bogleheads Wiki on windfalls? You're asking go...
by bayview
Mon Mar 28, 2016 5:41 am
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 6110

Re: sellers want us to waive financing contingency

Sweet! And I'm so happy that they wanted to keep their property residential rather than cramming a dozen units on it. :sharebeer
by bayview
Sun Mar 27, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Unwanted cold call from Mass Mutual agent
Replies: 45
Views: 3260

Re: Unwanted cold call from Mass Mutual agent

I work as a public school teacher in Florida and received a cold call from a Mass Mutual agent recently. Wanted to "help" with Retirement choices and inform me about our state pension. I never asked for this call and don't want it either. When I asked where he got my personal cellphone nu...
by bayview
Sun Mar 27, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3327

Re: Your fav airline - as far as flying experience?

Southwest. We drive over an hour to get to a Southwest airport.
by bayview
Sun Mar 27, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 11421

Re: Anyone travel without hacking?

deleted
by bayview
Sat Mar 26, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay more for USAA?
Replies: 23
Views: 2415

Re: Would you pay more for USAA?

...Why would you say YES for USAA for checking? Perhaps it's the no fee, no minimum protocol? And if you're direct depositing your paycheck, USAA gives you access to your money 6 hours after the "24 hour notice of deposit". I get paid on Friday's...I can spend the money as of 0600 hrs Thu...
by bayview
Sat Mar 26, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 2418

Re: Opening multiple credit cards for bonuses?

Don't forget that credit scores can vary wildly depending on where you're getting them. Both the scoring methods can differ, and the score range. So a 760 from one source might be completely different from your FICO mortgage scores, for instance. I have a lot of new hard inquiries, especially on Exp...
by bayview
Sat Mar 26, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 6110

Re: sellers want us to waive financing contingency

In the meantime, it might be worth your while to get your recent pre-qual changed to a pre-approval. Yes, it's another credit pull, but for FICO score purposes, these are de-duplicated when they fall within a certain time frame (varies by bureau.) Investopedia discussion of the difference between pr...
by bayview
Wed Mar 23, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3014

Re: How to get rid of poison ivy

Frankly, if you're seriously allergic to poison ivy, I would plan on throwing away any of the smaller gear that you wear when tackling it. My mother (the allergic one) has had poison ivy attacks lasting two weeks or more from pulling on gloves that she had last worn six months before. The oil/resin ...
by bayview
Tue Mar 22, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3014

Re: How to get rid of poison ivy

Glyphosate (Roundup) will work in high enough concentration. So will triclopyr, but the glyphosate is easier to find usually. I wouldn't burn that plant, whether sprayed or not. There have been cases of inhalational poison ivy reaction from burning the brush. Personally, in my lungs is about the la...
by bayview
Tue Mar 22, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitter not providing SSN
Replies: 74
Views: 7955

Re: Babysitter not providing SSN

OP here; thought I'd provide an update to all you BHs who provided great guidance. 1. I did have a chat with the babysitter about providing SSN; she finally provided it. 2. She wanted a 20% premium to her rate due to additional "tax burden" she would have to bear (makes me think she wasn'...
by bayview
Sun Mar 20, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 2950

Re: Dishwasher recommendation.

You will see a lot of recommendations here for Bosch, some for Miele and scattered recommendations for other brands as well. We have a Bosch that we are pretty pleased with overall; I have heard mixed reviews on their Ascenta line, which is the entry level / least expensive they sell. We bought a 5...
by bayview
Sat Mar 19, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3504

Re: Fidelity customer service experience

[...One nit i have with fido's 401k statements is that they only list beginning balance, total contributions, total withdrawals, market gain/loss, and ending balance. No transactions at all. If i want transactions, i need to visit their site, tediously click each transaction (to expand the details)...
by bayview
Sat Mar 19, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 8867

Re: Millionaire Next Door and Budgeting

We have something that we call a budget, but I suppose when I think about it, it's really more of a record of spending by categories. As we approach retirement, we wanted to get a really accurate, cold-eyed view of our spending, including (especially including) more frivolous stuff. That way we can ...
by bayview
Fri Mar 18, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 818
Views: 125846

Re: What are you up YTD? [Year To Date]

I'm not going to run the numbers until the end of the month, because it seems to upset the spreadsheet, but I'm crossing my fingers that the recent performance holds until then. Yes, I know that markets go up and down, and yes, we're in it for the long run, and so, yes, it doesn't really matter, but...
by bayview
Fri Mar 18, 2016 4:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2895
Views: 603369

Re: U.S. stocks in freefall

@bayview, I plead guilty to sometimes doing what you mildly ranted about. Maybe that's what keeps some lurking, and I apologize. Fwiw, if you go back 35 years, I was suffering the effects of marital and other misadventures, and my net worth was zero. In the meantime, I was lucky, but shame on me if...
by bayview
Thu Mar 17, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2895
Views: 603369

Re: U.S. stocks in freefall

bayview and VictoriaF, You have decades worth of living expenses in safe places such as cash. I agree that the stock market behavior is less of a concern for people like you. I'm pretty much in the same boat because I keep only 20% of my invested assets in the stock market, and I often wonder why I...
by bayview
Thu Mar 17, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did I take appropriate steps to ensure proper insurance coverage for medical procedure
Replies: 42
Views: 3189

Re: Did I take appropriate steps to ensure proper insurance coversge for medical procedure

Good Luck! Because of family history, I have had 7 or 8 Colonoscopies over the years. Good news is that no Cancer (although a few polyps removed from time to time, but not every time). One key (I think) is to identify and document any "risk factors" justifying the Colonoscopy. Three or fo...
by bayview
Tue Mar 15, 2016 5:36 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 175
Views: 31833

Re: [Why did my fund suddenly drop in value?]

Even though I was expecting this, I still jumped. :D It was interesting to see how slowly the dividends posted in the evening, although the final total balances for each fund were displaying at 6:00.

Note to self: don't plan on living off of dividend income, that's for sure.
by bayview
Mon Mar 14, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Any suggestions for cooling solution for Florida garage?
Replies: 21
Views: 1560

Re: Any suggestions for cooling solution for Florida garage?

Gill wrote:Also, be aware that many Florida communities prohibit air conditioning garages and window air conditioners anywhere.
Gill

OK, I can't resist, why would anyone care if someone ran AC in their garage?? I can generally guess at the reasoning on HOA restrictions, but this one has me stumped.
by bayview
Mon Mar 14, 2016 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Is it too early to buy our "empty nest" home?
Replies: 11
Views: 1613

Re: Is it too early to buy our "empty nest" home?

One option for interesting happens to be only a 15min drive from our current home. It's in an historic district that is rapidly growing, gentrifying, and being restored. We've found a great house that is a little quirky (floorplan) for many folks, but it would suit the two of us extremely well. It ...
by bayview
Sun Mar 13, 2016 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince high NW father to dump his financial advisor?
Replies: 69
Views: 6447

Re: How to convince high NW father to dump his financial advisor?

My mother gets very twitchy when I try to discuss anything financial with her, including knowing how to handle her stuff if she's temporarily incapacitated. Even though I'm the only heir, I think she thinks I'm up to something. This feeling is not uncommon in older parents who haven't had a long his...
by bayview
Sun Mar 13, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie needs a start.... Hope it's not too late....
Replies: 14
Views: 1211

Re: Newbie needs a start.... Hope it's not too late....

...Also, if you are not familiar with the great blog by emergdoc who runs the white coat investor blog, be sure to check it out. http://whitecoatinvestor.com/... ^^^ This. Also, his book is worth buying and reading continually: http://www.amazon.com/White-Coat-Investor-Personal-Investing/dp/0991433...
by bayview
Sat Mar 12, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]
Replies: 40
Views: 5485

Re: 5M Windfall, all in VTMFX?

I agree with the "park it somewhere safe for now" route, while exploring options.

One route to explore is with some of the advisors who post here: Rick Ferri, Larry Swedroe, I'm blanking out on one or two others. It's useful to have a financial planner who is aligned with BH principles.
by bayview
Sat Mar 12, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Don't Peek
Replies: 33
Views: 3932

Re: Don't Peek

Since peeking hasn't prompted me to change my AA (that decision resulted from adopting Bill Bernstein's liability-matching/ risk portfolios approach), I feel that it has been educational overall. DH is the Nervous Nellie in the family, so he never looks; in fact, he simply doesn't want to know, per...
by bayview
Sat Mar 12, 2016 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Don't Peek
Replies: 33
Views: 3932

Re: Don't Peek

I have a confession to make.... I'm a peeker, I peek all the time, sometimes 2-3 times a day or more on a volatile day. I made a spreadsheet the will estimate my funds based on the ETF equivalent. Why? For a couple reasons, as a fairly new Boglehead I want to get used to watching my portfolio go up...
by bayview
Fri Mar 11, 2016 6:46 am
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 33
Views: 5177

Re: TSP Participant Account Balances

Mike Causey of Federal News Radio just wrote an article about the most recently available stats on TSP participants here: http://federalnewsradio.com/federal-report/2016/03/where-are-you-on-the-tsp-totem-pole/ http://i.imgur.com/Y3pPGC1.png Interestingly, the three top tiers ($500k+) each lost memb...
by bayview
Fri Mar 11, 2016 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 7909

Re: Life Insurance for person with false "Alcoholic" diagnosis

The facts as presented, if accurate, are not consistent with a diagnosis of binge drinking, which requires a pattern of such events. A single incident in most cases does not establish a pattern and the diagnosis would be in doubt. In fact, twice is a coincidence. Three times is a pattern. Once is.....
by bayview
Thu Mar 10, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: How is my personal info leaking?
Replies: 28
Views: 4763

Re: How is my personal info leaking?

If you work for the federal government, your salary is a matter of public record. Feeling nosey? :D : Here's what your neighbors made in 2014 (2015 numbers not yet up): http://www.fedsdatacenter.com/federal-pay-rates/ Unlike the private sector, it is not a violation of some HR rule to tell a co-work...
by bayview
Thu Mar 10, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Leather furniture?
Replies: 20
Views: 2477

Re: Leather furniture?

We have a leather couch. Very comfy, no problem with seasons, cat doesn't attack it and her fur is easy to wipe off, as opposed to fabric-covered furniture. (She has long hair and a heckuva lot of it.) The one thing that you might want to keep in mind: our couch has what I call fake cushions, in tha...
by bayview
Wed Mar 09, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Has your number changed?
Replies: 52
Views: 5945

Re: Has your number changed?

David Jay wrote:I'll be 59 1/2 within months. My number goes down every time work gets stressful... :(

+1
I used to think that after retiring from FT employment, I would work PT until age 70.

No more. No way, Jose. Once I hit 66, I'm done. We'll dial back as needed.
by bayview
Wed Mar 09, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Just on The Great Courses
Replies: 20
Views: 2112

Re: Just on The Great Courses

I absolutely loved them, back when I had a total of 3+hours commute. I can definitely recommend the classical music ones, along with oddball topics such as early Christian church history and so-called "Dark Ages" players like the Vikings. We only got the audio versions. I would definitely ...
by bayview
Wed Mar 09, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 7909

Re: Life Insurance for person with false "Alcoholic" diagnosis

Just as an additional comment: To me, the issue isn't whether you should drink or not, or whether insurance companies should insure you or not. The issue is whether the insurance company's decision was based upon accurate information. They should have correct information on which to base their decis...
by bayview
Tue Mar 08, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 7909

Re: Life Insurance for person with false "Alcoholic" diagnosis

I don't do it for a living, so I was only venturing a guess. :happy I was wondering though.... wouldn't HIPPA come into play here, or do the life insurance companies get around that? I mean the patients records are their personal records, right? lol --I was kidding, but it is a weird and specialize...
by bayview
Tue Mar 08, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 7909

Re: Life Insurance for person with false "Alcoholic" diagnosis

I wouldn't put too much blame on the hospital/clinic/doctor. I'm sure about everyone that comes in with alcohol symptoms is an infrequent drinker or has only done it that one time. Not saying Frank is a drunk, but look at it from the doc's point of view and why that diagnosis may have been used. I ...
by bayview
Sun Mar 06, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 7909

Re: Life Insurance for person with false "Alcoholic" diagnosis

A one time overuse of alcohol is not binge drinking. Binge drinking is when you repeatedly drink to excess, but not on a daily basis. Some physicians diagnose alcoholism when it's actually alcohol abuse (including a one-time spree.) Some coders code alcohol dependence (this was in ICD-9) for one-tim...
by bayview
Tue Mar 01, 2016 6:38 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 818
Views: 125846

Re: What are you up YTD? [Year To Date]

through February: Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 2/29/16 1 month 0.47% 3 months -2.51% 6 months -0.86% YTD -1.59% 1 year -3.11% 3 years* 5.20% 5 years* 10 years* Nice to see a month in the black, however small.
by bayview
Mon Feb 29, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1837

Re: Credit card compromised three times in three months

OP, is this the 5% cash back "gas card"? Do you frequently use a particular gas station? I'd change gas stations for a month-six weeks and see if that works. Same for other frequent sites, I guess, but I always think gas stations when I think PenFed. Your card(s) could be getting compromis...
by bayview
Mon Feb 29, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: EJones to TSP Allocation?
Replies: 29
Views: 1922

Re: EJones to TSP Allocation?

YOU are absolutely correct!! loll :-0 So I could've taken this advice w/minor tweaking to my original AA and been done last week!!?? Here is my recommendation for you, based on a 60/40 desired AA, and following the 3 fund portfolio with ~20% international. The ratio of C:S should be 4:1 for the 3 f...
by bayview
Sun Feb 28, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Another frugality question
Replies: 35
Views: 4018

Re: Another frugality question

I'm not a big shopper, so in the few times that I do shop for clothes/ shoes/ household linens etc, I won't get it if I don't like the color, etc.

Go to advanced search